October 23, 2017

Helping Your Aging Parents: What To Expect

One of the toughest things many of us face is dealing with our parents as they age. Watching someone you love decline is not pleasant. I will tell you my parents' story because it is probably rather typical, and the one I know best.

As my mom and dad started struggling with older age issues I had to learn as I went along. Since I lived within 35 minutes of their home, I became the primary caregiver. My brothers lived quite far away. They did what they could with occasional visits, but the bulk of the responsibility fell on my wife and me. We were just fine with that role and enjoyed a strong loving relationship with mom and dad.

In 2006, my parents had the foresight to move into a retirement community. Dad was 82 and mom was 79. At that point, both were in good physical and mental shape, certainly well enough to be allowed into the community. It offered independent and assisted living options as well as a nursing care center. They wanted to avoid the situation where one or both became unable to care for themselves or too sick to be accepted into such a facility. We had discussed other options: caring for them in their own home for as long as possible, or even moving in with us.

But, in the end mom and dad insisted that the benefit of the three level system was best. As it turned out their timing was excellent. Dad was a trouper but his failing memory and hearing loss often left him somewhat befuddled. Within 18 months my mom’s health began to take a dramatic turn for the worse. Four years after moving to the community she died. Dad made it on his own for several more years, dying in 2015 at age 91.

Anyone with aging parents knows about all the daily decisions that I faced. Can anything be done to make their independent cottage safer to help prevent falls, burns, or other accidents? Do the bathrooms have grip bars? Are the throw rugs slippery? What in-home services does the facility offer? Asking these questions directly to my parents usually didn’t generate helpful responses. For quite awhile their contention was that they could handle everything even when that was not so. Finally, I had to just go ahead and take the necessary steps.

Older folks often suffer from poor nutrition. Meals are skipped or poorly planned.  Staying properly hydrated is a major problem. If the person’s eyesight is failing or gone, even the heating of meals becomes a big challenge. Luckily, the facility where my folks lived had a few dining options so two of the three daily meals were taken care of. Breakfast at home or a light lunch was possible for the first few years. Then, too often, one of these meals would be skipped or forgotten.

Next on my list were financial issues. Again, some foresight proved very helpful. Various health and legal directives were up to date. What about paying bills and taking care of taxes?  I assume that this can be an area of conflict, particularly if the relationship between parent and grown child isn’t the best. The fear of being taken advantage of is very real for seniors. Careful explanations of the consequences of missing credit card payments, utility bills, or tax problems are required.

My dad was more than willing to turn almost all of that over to me.  I was able to interact directly with their investment counselor and make decisions. After being added to the checking account I paid the few bills that still were required.  

One the biggies I had yet to deal with was the taking away of the car keys. From discussions with friends and what I read in various blogs, I knew this would not be fun. My mom was unable to drive the last four years of her life due to macular degeneration and other injuries.  So dad was the designated driver to take them to doctor’s appointments, food shopping, and all the errands of daily living.

I checked his car every time I visited for new dents or scratches. Even though the retirement community has shuttle and on-property transportation, he liked this last bit of true independence. Finally, at age 88 he agreed he was putting himself and others in too much danger to continue. The solution was to gift the car to a granddaughter.  He didn't want to let go of the keys, but felt good about helping her. 

Each parent took multiple pills every day, so the management of that couldn't be left to chance. I met with their family doctor and had the legal authority to intercede if needed. Of course, there was no one to guarantee that the right pills were taken, at the right time, and in the correct dosage as long as they lived independently.  I watched for signs of trouble and understood that a move into assisted living might be triggered by a pill problem.

Memory loss comes with age. Already I sometimes have those frustrating “senior moments.” Both parents were having issues in this area. In my mom’s case, she broke her leg and ankle a few years before her death. That put her in a hospital for almost two weeks and then into the nursing center. She didn't remember breaking her leg. I assume some of that is the brain blocking out bad experiences. But, it is still shocking to me that whole episode was not real to her at all.

In his last few years dad had almost no short-term memory either. Luckily, he was a list-maker. His daily to-do list was written down in great detail in a notebook he carried with him always. He finally became comfortable with answering a cell phone. But, calling me always created problems.

The broken leg really accelerated mom’s decline. While she was allowed to “visit” their apartment, she was not allowed to return there to live. That awareness, along with her almost total blindness left her with little to fill her day and mind, so the slippage continued. Dad spent most of each day sitting in her room, reading the paper, or discussing doctor appointments, but that was causing his world to close in, too.

I’m afraid this is not a post that will end of a burst of optimism. Dealing with aging parents is mostly about facing reality. On several levels my folks were blessed. They had the financial resources to be in an excellent facility. They had family in town who visited at least once a week, sometimes more. Through 63 years of marriage they remained deeply in love and committed to being there through good and bad. Mom and dad were there for me. It was my time to be there for them.

 If you haven’t faced this issue yet, you may have it in your future. If you have been through this, then you have experiences I ask you to share with all of us. There are all sorts of questions, problems, and possible solutions I have skimmed over or missed completely. I would very much appreciate your feedback and comments on this subject. It may not be pleasant, but it is real.

October 21, 2017

Two Quick Getaways Make Memories

Since we sold our RV last spring, we have been staying rather close to home, enduring another blistering Phoenix summer There was a 4 day trip to Disneyland with the family in August. Otherwise, it has been a time of swimming  pools and family dinners with movies and games.

As the temperatures began to cool off in northern Arizona, we took two trips within the last few weeks, just for a change of pace. In six days we managed to enjoy the beautiful red rocks of Sedona, the former ghost town, now artist community of Jerome, and the cool green of Flagstaff. 

Actually, the Flagstaff trip was quite a family gathering. There was a fun run/walk to help raise money and awareness of Parkinson's disease. My son-in-law's father suffers from this progressive affliction, so the cause is very personal.

We decided that twelve of us would go north, spend some time together, and then participate in the 5k run or 2k walk. With the help of a walking stick, even Papa was able to complete the 2k walking portion in good shape. It felt really nice for all of us to be with him as we banded together to support him and this cause.

I thought you might enjoy seeing some pictures from these spectacular parts of my home state, as well as a few of our family teaming up to fight Parkinson's.

Yes, the rocks behind me are actually older than  I am

Beautiful river just south of Sedona

A view of the hillside (almost) ghost town of Jerome

Typical "street" in Jerome

Several fires have burned Jerome to the ground. This was once a 4 story hotel

Jerome is supposedly haunted (this isn't real, unfortunately!)

The Grand Hotel at the very top of town

And, the view from its steps

Betty chatting with Albert Einstein

The start of the Parkinson's Fun Run in Flagstaff

Tom: the reason for all of us participating

The whole crew after the race/walk!

October 18, 2017

Retirement: Feeling Fulfilled Is a Personal Path

A month ago I had a post about working after retirement.  Then, there was one about volunteering. There have been posts about financial investing after retirement, moving, developing your passions....kind of a laundry list of topics that retirees have said are important.

But, still stuck in my mind was a comment from earlier in the summer from a reader that took me to task for what may have been a bit of a contrarian view. He wrote that being busy, traveling, volunteering, or engaging with others isn't really the only way to took at retirement. His point was that not everyone wants to do those things to feel fulfilled. Not every satisfying retirement journey involves all sorts of activities. 

His comment wasn't health-related. It was not that he can't do these things, it's that he chooses not to. His view is that he worked hard all his life to get to a point where he could stop, disengage, unconnect. Being alone with his thoughts, reading when he wanted to, sitting on a park bench, watching TV that entertained him...whatever made him happy was how he chooses to go through his retirement journey.

While I would not be happy that way, if it were the same every day,  that doesn't make me right and him wrong. It makes us different. Fulfillment is a very personal path, and in retirement even more so. Most of the distractions that come with work and extra responsibilities are gone. The path forward is of your making.

I have some close friends who preach the importance of mindfulness. Focusing on what is happening in the present and being very aware of your surroundings is the core of this way of living. While not necessary, meditation or yoga are often cited as examples of engaging in mindfulness. Trying to quiet and focus our minds on the now is the goal. I assume this approach would urge a simpler lifestyle, one that isn't packed with activities and commitments.

Another path to retirement fulfillment could be the concept of minimalism. This doesn't have to mean minimal belongings and living in a tiny house, though it could. At its heart, minimalism requires each possession we have and each life decision we make work to improve how we define a quality life. We attempt to minimize distractions caused by things and maintaining those things. 

Some of my friends are snowbirds. Others travel more than I would want, but that choice satisfies them. Another couple just fulfilled a twenty year dream to live within sight of the ocean. I know some folks who are fighting constant health problems. They are happy to make it through each day without a doctor's appointment and be able to function.

The bottom line is the fellow who left the comment was right: our fulfillment is something each of us sees through a different lens. The only person we should judge in this regard is ourselves. If we are feeling good about our retirement, happy with where we are, and not hurting others, that should be enough. If that means being involved, active, and busy, then great. If it means stepping back from the world and all its noise, then OK.

How do you feel? How much activity and involvement do you require to feel satisfied? Has that changed over the years? Does a porch swing and a good book sound just about perfect nowadays?

October 15, 2017

A Wife's Perspective: Betty's View of Retirement

Over the past few months I have received several requests to share some of my wife's thoughts about retirement. This post was written about almost 5 years ago but not much that is important has changed,except we have been retired for that much longer. I have left it the way she answered the questions in January 2013. I will plan on a full update sometime in the coming months.

Over the past 30 months of writing for Satisfying Retirement  there have been lots of posts that have included information about my wife, Betty, and our journey together. Probably two or three dozen e-mails over that time have asked to hear more from her and what she thinks about the retirement from her perspective.

So, I took the bait and posed some questions for her to answer. Wow! Her insight and responses were so interesting and important that I am turning this into a two part post. This time, you can read her answers to the first four questions. Next week I'll have part two with her answers to the last three questions.

…What have been the biggest changes in your life over the past 11 years of retirement?

"First of all...Are you kidding? I get a whole blog post on my opinion about everything!"

Before Bob retired he worked 5 days and nights a week in other states. I worked as a pre-school teacher while raising our two daughters. Our family had two schedules. The girls and I lived a rather unstructured life (except for school work and extracurricular activities) when Bob was on the road. When he was home on weekends the girls and I “switched gears” and led a structured life with planned family fun time.

Bob has always had this marvelous way of finding fun things to do either as a couple or a family. It sounds as if it was hard for the girls and me to “flip” into another schedule but it really wasn’t at all. We had the best of both worlds. My Bohemian way of living (Eating when we’re hungry, dropping everything and veering off or doing messy projects all over the house and staying up late to finish projects) enabled the girls and me to be at our creative best during the week. It also taught the girls to be more disciplined on the weekends. The difference was we were scheduled and disciplined on the weekends and more laid back on the weekdays. Most families are the exact opposite.

The big change is having Bob here all of the time. He’s not used to seeing messes everywhere. (The girls and I would clean everything up on Fridays before he got home) He also was used to all of these projects being done every week before he got back. He never experienced the processes of our creations.

My spiritual life is deeper, more fulfilling and in turn, my friendships have become much more satisfying and more meaningful. My relationship with Bob is on a higher level, too. We have grown much closer.

What have been your biggest surprises about retirement?

That I can deal with a lot of change. Bob and I retired and I got another full time job, We downsized into a house half the size and retired about the same time the girls left for college. My doctor of 12 years moved away, my health insurance company pulled out of state, our beloved dog Muffin died, we started going to another Church after 20 years. Then the tragic events 9/11 happened which meant we cancelled our 25th anniversary trip to Europe which was to leave on 9/14. This was just the first year of our retirement!

I didn’t completely fall apart when we experienced a completely empty nest, but I loved it when one of our daughters temporarily moved back home.

I'm surprised we are still living in Arizona. But, with whole extended family living within 40 minutes of each other, moving wasn't really an option.

We own an RV! I never, ever dreamed that would be part of our life.

….What have been your biggest disappointments about retirement?

I still cannot find enough time for myself each day. I find myself comparing myself with Bob. He seems to be able to get all of his chores done and have lots of time for all of his hobbies. It’s been almost 12 years and I still can’t find the time!

My health is not where I thought it would be at this stage of my life. I have had lots of problems earlier than most people. Health is a huge factor when planning retirement. Do everything possible while you can because no one knows when you can lose your health.

I wanted to live in a small town where everyone has a huge front porch and you can walk to the downtown area or ride your bike around a nice lake. I wanted a place where the weather has mild seasons with green trees and grass that turn all different colors in the fall and all of the family is within walking distance of each other.

I live (and have lived for 28 years in a place where every house has a walled backyard, you have to drive a car to get to everything, the heat is in the triple digits for 5 months of the year, (you have to drive your dog to a grassy park because the sidewalks will burn the pads of their feet) most of our trees are 4 feet tall and prickly, and our front yards consist of rocks and not grass.

But… and this is a BIG but… My loving family is close by, we go to a church that we love, we can have lunch outside in short sleeved shirts in December, and most people have wonderful grassy backyards with swimming pools! You just have to put things in perspective!

My retirement has been wonderful in every sense and I couldn’t be happier with Bob and my family!

…How do you spend your days?

I would say that for the last year, two thirds of my day is spent taking care of our new pup! She has some emotional issues that have taken a lot of extra training and TLC.

I am just the opposite of my husband when it comes to planning anything. He will have lists of things that need to be accomplished every day, week, year. He will plan these things out on his smart phone and or his “Weekend List.” He then tells me what needs to be accomplished, we do it then if there is any time left I will do my list.

Unfortunately I never seem to have any time left in the day. I realize what a blessing this is for me knowing that he is taking care of me even beyond the grave. It is quite comforting to know that if Bob dies tomorrow I will know exactly what day to start compiling our tax information or his Father’s quarterly taxes, take out the recycling or the trash or our families’ Birthdays, until the day I die.

The thing that bothers me is that Bob seems to have plenty of time for reading and studying the Bible, pleasure reading, guitar practicing, e-mailing, reading blogs and writing his own blog; napping, etc…I can’t even find time to take a nap! We both watch the same amount of TV each day and he does 1/3 of the housework (We cut everything into 3rds with my grown daughter) and he does all of the finances plus all his own laundry etc….

Note…I think I have found out how I spend a huge amount of time around the house. I am the one in our household who does all of the seasonal changes to the house. I have “displays” that I set out for spring, summer, fall, winter, and all of the major holidays. I put up, take down, pack, unpack, buy new things, and creatively arrange them. I’m also constantly re-arranging the storage shed for all of these boxes. I also do all of the major projects around the house. Painting all of the walls, furniture, paintings, photography etc… Sanding and painting doors, replacing floor tiles, bathroom tiles grouting, and caulking and then cleaning the grout and re caulking the baths! I also dig holes and make waterfalls and ponds and such. Whew! It makes me tired just thinking about it!

October 12, 2017

Knowing Your Family History: Is It Important To You?

I will admit that I am not terribly interested in my family's history. I come from a small family, not a lot of nieces and nephews, aunts, or uncles. I'm not excited about tracing my family tree back through many generations. Even when we lived in Salt Lake City, home of the nation's largest genealogical research library, I wasn't moved. 

My wife is more involved than I. Her family is large, with lots of branches on her family tree. A few notebooks are crammed with the kinds of details that serious seekers of family history love. At one point, I remember a distant relative did visit us to share letters, birth certificates, and other official-looking pieces of paper with Betty. She joined one of the on-line sites to help her with her explorations. While the interest is still there, her family searches have been relegated to a back burner for now.

In doing a little research for this post, I ran across Genealogy In Time Magazine. One of its articles presented answers as to why someone would find all of this interesting or important. If you want to read the full article, click this link.   In summary, some of the reasons include validating family stories, tracing medical  conditions or land ownership, finding birth parents and any links to famous people or historical events.

Frankly, I hadn't considered some of these reasons for engaging in family research. Since I like exploring things on the Internet and am naturally somewhat curious about things I don't understand, I see this whole area in a somewhat different light. I have been told there is a connection somehow in my family to Daniel Boone but have never validated it. 

I remember reading at one time that Barack Obama was related to Dick Cheney. Now, there is an odd couple. Mr. Obama was also linked with George Washington and Rush Limbaugh. See, it gets stranger by the minute! 

Maybe that's the trigger for people to get hooked by family history research. Besides Daniel Boone, maybe I share some blood with Abe Lincoln or Al Capone. Maybe I don't want to know that.

What about you? Are you interested in all the twists and turns of your family's past? Do you have old documents that trace your ancestors back to some historical event? Or, like me, do you prefer to let sleeping dogs lie. You aren't particularly motivated to learn about all that?

I am quite interested in what you have to say. Maybe the challenge of using the Internet to trace my side of the family back a few hundred years would be fun. Maybe not. What you have to say may inspire me, or help solidify my current status of someone not all that fascinated.

Frankly, I will be paying very close attention to your thoughts. 

October 9, 2017

Retirement & Volunteering Our Time

When this post was first written almost six years ago, it generated a lot of comments and follow up emails. The subject of volunteering is an important one for many retirees.  I thought it was worth a revisit, with some fresh thoughts from me. 

As the triple digit temperatures slowly leave Phoenix, my thoughts turn to more outside activities and involvement. Long time readers know I was involved with prison ministry for several years. It was challenging and satisfying work. I have worked as a tour guide at Frank Lloyd Wight's Arizona home, Taliesin West. For the last two years I have spent time on a United Way Steering Committee attempting to find new ways to help retirees find a good match volunteer opportunities.

Starting in two weeks I will begin teaching a Junior Achievement class to a group of 5th graders. I must have some of my mom's genes since teaching seems to agree with me.

I Need You

I know many of you are active volunteers in all sorts of ways. So, I would deeply appreciate you responding in the comment section below with answers to any of these questions (if they apply to your volunteer situation):

1. What volunteer work do you do?
2. How did you decide this was a good fit?
3. Did try a few different things before you found one that fit you?
4. Have there been any drawbacks?

Like everyone else, I am very interested in learning about the wide variety of volunteer opportunities that exist for us. I bet there will be things I have never thought of that would be a tremendous way to give back to my community while feeling good about myself.

So, please, anything you do to help....let us know. Teaching Sunday school, walking a neighbor's dog because she can't, school crossing guard......it doesn't have to be as dramatic as working with prison inmates ,but it might be! Our society has more needs than we have volunteers.

Do you know someone who is an inspiration in this area but he or she doesn't normally read this blog? Could I ask you a favor:  would you ask them to come over this one time and tell us about what they do?

Let's build a list of your ways to give back and inspire someone to put a spark into their satisfying retirement.

October 6, 2017

Our Preconceptions: Any Worth A Revisit?

A few weeks ago I asked you to think about some of your preconceptions in a few areas to decide if any needed to be changed or adjusted. One of the best features of retirement is the ability to reshape how you approach your life. We have the time and freedom to do so. I promised to give each area from the original list the same consideration and report on my thoughts about attitudes that have changed, and those where I struggle. here are my responses to some of them.


Getting older doesn't really bother me. There is nothing I can do about it anyway. I do dislike intensely the erosion of my physical self. I do what I can to minimize the problems. But, to complain how unfair it is and insist my 68 year old body be the same as my 38 or 48 year old body is a waste of energy. 

I think society's view of older people is improving. Maybe it is because there are so many of us! I hope the stereotype of the grumpy old man or woman can be relegated to the history books. 

I don't fear death but I do fear what my death will mean to those I love. 

People Not Like Us

In this area I continue to struggle with preconceptions. As much as I'd like to think this is not the case, I catch myself feeling uncomfortable or extra vigilent around people not like me, people of different races or skin colors. I am disappointed in this reaction.

Even though virtually everyone under 35 seems to have tattoos, I form an opinion about someone with lots of visible body ink, based solely on appearance and that is wrong.

I think ( maybe hope is a better word) I have changed how I perceive those who have a different spiritual choice than I. Honestly, I am more repelled by those who use religion as a blunt end instrument to threaten others who don't believe exactly what they do than any basic choice another human being makes. I believe my faith is true, but I hope I am not judgmental toward others with another set of beliefs. What if I am wrong?

Defining Success

In the original post I noted that all the trappings of success I believed to be important while a younger man no longer apply. Today, success is something I measure internally. Making a new friend, making one of my grandkids smile, remembering to be nice to a clerk or service worker...those are a measure of success for me now. 

Being Remembered

As I wrote in the original post, the career success and notoriety in my industry ended quite quickly after retirement. I thought my "name" would remain well known for much longer than it did. I was very wrong. If that was how I hoped to be remembered, then I lost that battle.

Now, my wish is much closer to home: I would like to be remembered for what I have done for my family. I hope I have been supportive and encouraging to my daughters. I would like to be remembered for 41 years of marriage and counting. I would like to be remembered as someone who was honest, dependable, and loyal (sounds like the Boy Scout oath!).

The material success, the money in the bank, the pleasant lifestyle, even this blog (sorry!) are unimportant if I fail to be remembered as a man who could be counted on by those who are depended on him.

Obviously, not all opinions formed earlier in life are wrong or need to be changed. Some are the bedrock of our character But, preconceptions that need to be jettisoned are sometimes very tough to dislodge. We are creatures of habit. As noted above my life is a work in progress.

I would love your thoughts on any of these areas that you feel comfortable sharing.

October 3, 2017

Getting Rid of Your Stuff: When Is The Best Time?

Accumulation of stuff. Big stuff, small stuff, worthless stuff, we all have lots of stuff. As George Carlin once noted, a house is just a place to store our stuff. Even if you believe in living a more minimalist lifestyle, you have stuff.

A few weeks ago, a reader asked a good question: "When is the best time to get rid of your stuff?" If I remember, his comment was triggered by a rocking chair, one that his grown children could have used while raising their own kids. Instead, mom and dad held onto it until the need for the chair was passed. They didn't purposely not give it away, rather it just never crossed their minds.

This question is much like the one many of us wrestle with: when is it time to start giving away your financial inheritance? Should you start to distribute it now, when the need among your relatives might be greater? Or, should you hold onto to your investments until your death, insuring you won't have given away money you end up needing or worked a lifetime to save?

Back to the stuff discussion for now, there can be rather intense feelings about some off the stuff we own. Like the rocking chair example, there might be pieces of furniture, or a painting or photograph that holds special meaning to someone else in your family. If giving it away now enriches someone else's life, or is an important part of family memories, is it better to pass it along sooner rather than later?

On the flip side, what if a grown child of yours wants something you are not ready to part with? Even if it would make things easier or more pleasant for your offspring or relative, do you have the right to say, No? Not Now. Is your reaction emotional or rational?

This is the real problem with things we own. We spend money to buy something. If the purchase adds to our life and makes us feel good, it becomes more than a collection of parts, it becomes emotionally satisfying. It may remind us of something that our parents owned, or our grandparents had in their home. It may stimulate memories of a difficult or joyous time in our life. It may just be nice or beautiful to look at.

Even so, at the end of the day it is still just stuff. At some point we, or family members, will have to get rid of much of it. Does decluttering now help your satisfying lifestyle? With less stuff to store, display, clean, insure, or move will you feel more free? Or, will the lack of things around that comfort you leave you unhappy?

This is one of those questions with no definitive answer. Each of us is different. As long as your home isn't featured on a hoarder's TV show, I believe when to get rid of stuff is really up to you. When the stuff stops adding to your happiness and can help out someone else, get rid of it. But, as long as an item makes you happy, keep it.

What do you think? Are you in the "give it away now" camp, or the "it makes me happy and enriches my life" group? Again, I don't think there is a universally right or wrong answer. But, it is a question that we should ask ourselves. And, as the blog reader noted in his comment, I'd really like to know what others think.

If you'd like a little nudge to declutter and start ridding yourself of stuff, this video from the Dr. Oz show could be helpful.

September 30, 2017

Will I Write a New Book....or Not?

After all the responses to my request for feedback on writing a new book, you certainly deserve an answer. I did read every suggestion and and thought about every single suggestion. What did I decide? What does the future hold?

I am going to write a new book, but not at the expense of the blog. The third book will be a collection of previous posts, organized into chapters of interest and importance. I will not set a deadline for this project. Work will continue as I have the time and interest. I would guess it will be ready sometime early in 2018. I will publish a Kindle e-reader version first. If the response is strong enough, I will make a paperback version available on demand.

My primary focus will remain right here. The comments about the blog's immediacy and ability to build on the community we are establishing seems most exciting and important. Our world is changing quickly and the issues that affect us all really require feedback and discussion.

Look for some experimentation on content. I may begin to integrate video clips more often. If I can figure out how to produce and link a podcast about retirement to the blog, I will do that too. 

I may hire a professional web designer to help me customize parts of the blog that Google doesn't. I may even take the leap and switch to Wordpress from Blogger, as long as all the links and rankings for keyword searches  don't disappear. Realizing that anything and everything is hackable, I am backing up the full blog every 7 days so it can be restored quickly without much loss. 

The comments on I Need Your Feedback included so many excellent suggestions for post topics that I should have a steady stream of new material for the quite awhile . There were some really intriguing ideas, some of which will require you to help me with your personal stories and reactions, all of which helps us build our community of shared experiences.

So, that's the answer: a book will be forthcoming but the blog will get most of my attention. Betty assures me I can do two things at once. I trust her.

Note: I received a new book for review. While I'm not done reading it yet, I will say I am finding Prescription for a Happy Retirement right up my alley. In fact, he and I agree on so many point I almost thought  there is no need for another one from me!

The author, James Bash, has nailed it on every important point so far. I will have a review in a week or so, but invite you to check it out on Amazon. Congrats, Jim, on an excellent addition to my retirement book library.

September 27, 2017

What Apps on Your Smartphone Are Your Favorites?

There are over 2.8 million apps for Android phones, 2.2 million for Apple smartphones. Those are incredible numbers. While it may seem that you have a large percentage of those on your phone, our actual use is surprisingly small. The typical person uses nine applications per day, from a core of 30 apps that are clicked at least once a month. Many more may live on your phone, but they are unused.

I thought it might be interesting to share which smartphone apps we use most often. Which ones are essential to you everyday? Which ones are part of your regular routine, though not as often? Which one have you tried and deleted because they just didn't fit your lifestyle or they bombard you with too many ads and constant updates? What are the silliest or most unnecessary apps you have seen?

How about my phone? There are 40 apps on my Android Galaxy. I am on par with the national average: seven or eight of them I use every day and another 10-15 get monthly use. There are several that came with the phone that have been either deleted or disabled when Android insists I keep it.

Daily, I look at:

1) Huffpost
2) CNN
3) Gmail
4) Google Calendar
5) Chrome browser
6) Messenger
7) Twitter & Facebook


1) Spotify
2) Alexa
3) various bank apps and credit card apps
4) Weather channel (will it ever cool down?)
5) Google maps
6) Phone (yes, I actually make a few calls per week)
7) a ham radio app to take part in weekly on-air meeting

Monthly (or less):

1) Verizon (to check on data use)
2)  Groupon
3) Anti-virus app (it does its thing every day in the background)
4) Trip Advisor
5) VR (when grandkids want to play VR games)
5) Camera

What are my major application irritants? 

A) Those that update too frequently. The "new" version is worse than the old one.
B) Apps that load too slowly because of too many video or advertising popups. 
C) Those that require registration and/or email address to continue. 
D) Those that don't deliver what they promise.
E) Those preloaded on the phone that I can't delete

The New Galaxy 8 will be released shortly, at a price close to $800. Apple's newest version is now out, too, at a similarly silly price. At least for me, that is crazy. At those prices, my Galaxy 6 is going to be my best buddy for a long time to come. The apps I choose to use have to work for my lifestyle.

How about you? What apps can't you do without and which ones have you discovered that disappoint or frustrate you? Help us out!

September 24, 2017

Hurricanes and Retirement : What Do They Share?

The devastation of Hurricanes Harvey and Irma is very fresh in our minds. The rebuilding of lives and property will continue well into the future; some people and places will never be the same. I feel for these losses and the massive toll on the countries hit and the people fighting to come back. At the same time, floods in Italy, Malaysia, India, just to name a few other locations, have wreaked absolute havoc.

Preparation before disaster strikes is essential in a world where nature seems to be running wild. A "what will be will be" attitude may work when it is time to choose a restaurant for dinner, but not when confronting Mother Nature in all her power.

Since my mind is a little odd, it occurred to me that preparing for an event like a hurricane or typhoon is somewhat akin to we should do before retirement strikes. Of course, a storm usually passes in a few hours though rebuilding may take weeks or months, even years, to repair.  There may be injuries, even deaths. 

Certainly, I don't mean to minimize the seriousness of a major storm. I have lived through a few hurricanes and they are terrifying. But, if you will allow me to extend the metaphor, when retirement hits us we have another 20 or 30 years to adjust to. So, being fully prepared makes tremendous sense.

*Loss of power. In a major storm, we are likely to lose electricity for awhile. Cell phone service, Internet access, all are at risk. During retirement we are threatened with a different type of power loss: loss of energy, drive, and goals that we strive for. No power for a few hours or even days can be quite uncomfortable. No energy or drive during retirement can has longer lasting effects.

*Loss of belongings and stability. Pictures from the hurricanes' aftermaths show the heartbreaking devastation of houses, businesses, property, even the landscapes. Harvey left tens of thousands of cars underwater. Irma flattened some Caribbean islands beyond recognition and forever altered parts of Florida. Puerto Rico may be without dependable utilities well into next year.

Retirement is not that dramatic, but there is a type of loss, a loss of belonging to a group of coworkers or an organization. The stability of a regular paycheck is replaced with the hope your financial walls are strong enough to withstand the wind. 

*Forced change in routine. Think of the pictures of the thousands of people housed in shelters. Think of all the lives that will be on hold for weeks or months. Everyday routines will be upended for the foreseeable future.

Retirement suddenly puts you in charge of 24 hours a day. Almost like a storm survivor, a newly retired person is really starting over in how his day is managed. You must develop new routines and a daily schedule.

*Storm warnings ignored. I guess it is part of human nature, but I always wonder what possesses someone to ride out a hurricane believing it won't be that bad. If you can evacuate but choose not to that is risking your life as well as those who must rescue you.

In retirement, a storm warning can come in various forms: a report from your doctor of health problems, a statement from your financial institution that your withdrawal rate is dangerously high, an argument with a spouse or partner that is more severe than normal. Like a serious hurricane warning, you are putting a lot at risk if you ignore the warnings you receive during retirement.

Hurricanes can change someone's life completely, and rarely in a good way. You have very little control. Retirement will change your life. Whether it is a positive or negative experience is much more in your control. Make the most of it.

September 21, 2017

14 Day Challenge: Examine Your Preconceptions

Today, I am assigning you a task. It will not be particularly easy because it requires you to look at some of your preconceptions and decide if each is still valid. To keep things moving I am asking you to complete this challenge in the next two weeks, give or take. In 14 days, give or take, I will ask you to report on your progress. And, yes, I will participate fully. To begin, let's think about what types of preconceptions might qualify for examination. 

How we think about aging

This is a biggie. I would guess all of us have certain images in our mind of what getting older means. Physical decline, financial struggles, moving out of our home, or the loss of a partner can certainly part of that preconception.

Hopefully, the last 7 years of this blog have added notions like freedom to change and grow or learning to say, "No," and controlling our commitments. Realizing that plans change, life unfolds in ways we never expected, or that the decades we may spent in retirement are ours to shape. Maybe we firmly believe our physical and mental decline can be slowed and altered to a degree. Does your conception of what it means to age well need adjusting?

What are your preconceptions about death? As we get closer to the finish line than the beginning of our journey do we need to adjust how we think about this final step? 

How we think about people not like us

The last election and its aftermath have brought this set of preconceptions into sharper focus. For Americans, Charlottesville may come to mind first. But, it is certainly not the only case of serious problems when people of different beliefs, politics, races, and religions come into contact, and conflict. London, Barcelona, Paris, Mumbai, Madrid, Quebec City....these place and many others have suffered as well.

As humans we tend to want to cluster with people like us.  Problems arise when we treat "the others" as inferior, wrong, or dangerous simply because they are not us. Of course, since there are over 7 billion people in the world, only a very small percentage of the total are just like us.  

Obviously, there are those who are dangerous, harmful, hateful, and out to do you and me harm. But, there are unnecessary problems when we begin to assume that everyone who is a member of a group that is not like us falls into that same dangerous category. This is not an easy set of  preconceptions to think about. It is even tougher to change them.  Do you have any goals in this area?

How we define success

During my business career, success was easy to define: more business, more money, bigger house, more industry accolades. After retirement, every single thing that I thought of as being successful was not. Isn't that amazing: retirement forced a total reversal of a notion I had held since my teens.

Now that you are retired, what is success to you? How you define it will impact much of what you do and own. I will guess that success means something very different now than it did earlier in your life.

How we interact with other family members

Some of us have convoluted, messy relationships with family members. It may be that brother or sister who you stopped talking to twenty years ago, for reasons you can't quite remember. It may be a grown child who seems to turned his back on everything you tried to teach him. Or, It may be a strong, interconnected family makeup: you spend time together, really enjoying each others' company. You may not communicate often with your siblings but you know each will be available for the other in times of family crisis. Now that you think about it, reaching out to them is past due.

Now is the time to question all those relationships. Are preconceived notions of a sister or aunt keeping you from adding them back into to your life? Did some family member hurt you years ago, and that slight has kept you apart far too long? Maybe you continue to interact with someone in your family who is toxic for you: you dread your visits together. That person makes you feel bad about yourself, yet you feel a sense of obligation to keep up those familial ties.

If certain relationships are strong and nurturing are you doing the work needed to keep them that way? Do you assume things will always go well so extra efforts aren't needed?

How we want to be remembered

While I was working, I liked the ego satisfaction of seeing my name and picture in one of my industry trade publications. I loved being quoted or interviewed. I felt good when someone approached me about retaining my services. I figured I would be remembered as an influential person in my career field. Well, no big surprise, within a year or so I was forgotten. The industry had moved on and others had become the hot new topics. Old clients remembered my name and occasionally made contact, but even that stopped within 2 years of retirement. Thirty five years of work had vanished.

Now, that "success" is the farthest thing from my mind. I don't want to be remembered for my radio shows or the music formats I developed. I have no interest in being remembered for any of those things. That chapter of my life is over and the book has been closed. What I had perceived as the essential Bob Lowry turned out to be temporary and fleeting. 

So, what are my measure of success? Is the word, success, even a good fit for what I want to accomplish?

What about you? Give yourself some time to think about these preconceptions. Feel free to comment on where you are at the moment. Make a public declaration of your preconceptions as of today in one or more of these areas. 

Then, look for a follow up post in a few weeks so we can discuss our changes, if any!

This could be an interesting experiment.

September 19, 2017

Are We Building a Community Together?

Over the past year or so something has begun to happen on Satisfying Retirement: people are leaving comments not only for me, but for others. A comment on a post triggers a reaction from another reader who wants to share his or her thoughts with the original commenter. Suddenly, a conversation begins. A shared community begins to develop.

I couldn't be more pleased. This development is something not all blogs encounter. It only happens when readers sense a shared set of experiences with others. It only happens when there is a trust that comments will be treated with respect. And, it only happens when readers have been visiting the blog on a regular basis over many months, or even years.

This short post is really just a way of saying thank you. Thank you for caring enough to interact with not only me, but others. Thank you for being constructive, supportive, and educational. Thank you for helping to encourage a sense of community, of conversations that add something to all of our lives.

A blog has the potential for being a modern day equivalent of a conversation over a back fence, or on a shared bench in the town square, neighborhood park, or over a cup of coffee. It has the opportunity to become a collection of not only readers, but also friends who genuinely care about each other. 

The majority of readers will never comment; the national average is about 95%. But, even for all those folks, when someone else expands on an exchange and a conversation built around a particular post, everyone benefits. Everyone feels more comfortable spending time here.

So, I want you to know I notice the back-and-forth in the comment sections. I encourage that growth in our journey together. I deeply appreciate the trust you exhibit in your fellow readers by doing so.

A community of us, building a satisfying retirement journey together, is fabulous to watch develop.

If you have friends who you think might like what is happening on these pages, I do ask one favor: invite them to try this blog for a few weeks. See what is happening here, add their own thoughts if they feel comfortable in doing so. Expanding our community would add to our shared experiences.

Again, Thank you.